Checking
Household Checking
- FREE with Direct Deposit
- FREE with Truncated Statement
- FREE Internet Banking and Bill Pay
- FREE Checks (non-duplicate only)
- FREE ATM Card or VISA Debit Card
- Backup Savings Account for Overdraft Protection
- NO monthly maintenance fee or per debit item charge if a $500.00 minimum daily collected balance is maintained throughout the statement cycle. If the balance drops below $500.00, the following fees will apply:
- $5.00 per month maintenance fee
- 30 Free debit items - 30 cents for each debit over 30
- No account fees with Social Security or Payroll Direct Deposit or with truncated statement.
Statement Charges
NO statement charge for truncated statements or imaged statements
Minimum Deposit to Open Account
$100.00 minimum opening deposit
FREE Basic Checks
- With Direct Deposit of Payroll or Social Security.
- 2 boxes per order, non-duplicate checks only.
- Discounts on duplicate style checks.
Household Interest Checking
The Household Interest Checking Account is designed for the customer who wants interest on their money and the flexibility to write checks.
Interest Rate
The interest rates and annual percentage yields on this type of account will be based on the following balance levels:
- Level 1 $0 - $999.99
- Level 2 $1,000.00 - $9,999.99
- Level 3 $10,000 - $24,999.99
- Level 4 $25,000 +
The rates and yields will be disclosed by posting in the lobby of the bank and will change at the discretion of the bank from time to time. The initial rate will be disclosed when the account is opened.
Balance Computation Method
The daily balance method is used to calculate the interest on this account. This method applies a daily periodic rate to the daily collected balance
Compounding and Crediting
Interest will be credited at the end of the monthly statement cycle and will be compounded monthly. An account closed before interest is credited will not receive accrued interest that has not yet been credited to the account. Interest begins to accrue no later than the business day the bank receives credit for the deposit of non-cash items.
Account Fees
NO monthly maintenance fee or per debit item charge if a $700.00 minimum daily collected balance is maintained throughout the statement cycle.
Statement Charges
NO statement charge for imaged statements
Minimum Deposit to Open Account
$100.00 minimum opening deposit
Student Checking
Enjoy a TOTALLY FREE account with Student Checking.Account Fees
- No monthly maintenance fee if a positive balance is maintained.
- NO per debit or deposit item charge.
Statement Charges
NO statement charges for truncated items.
Minimum Deposit to Open Account
- $25.00 minimum opening deposit
